High Cash Back Cards All Cash Back Cards No Minimum Spend Required Unlimited Cash Back Go to: Overseas

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Best High Cashback Credit Cards in Singapore 2024

Uncover the top options for high cashback credit cards in Singapore and maximize your savings!

Search by cashback benefit type

High Cash Back Cards All Cash Back Cards No Minimum Spend Required Unlimited Cash Back Go to: Overseas

DBS yuu Visa Card

Cashback Local

Up to 18 %

info

36 yuu Points per S$1 when you pair the yuu card with the yuu app at a yuu merchant.

Cashback Overseas

0.5 %

info

1x yuu Point per S$1

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Welcome Offer

Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

Shark EVOPOWER SYSTEM IQ Cordless Vacuum (worth S$599)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

Sony WH-1000XM5 Noise Cancelling Headphones (worth S$589)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

S$370 eCapitaVouchers

Valid until

15 September 2025

Things to consider for this product:

check

Supermarket rebate

check

Dining rebate

remove

Rebate cap applied

remove

Monthly spend required

DBS yuu American Express Card

Cashback Local

Up to 18 %

info

36 yuu Points per S$1 when you pair the yuu card with the yuu app at a yuu merchant.

Cashback Overseas

0.5 %

info

1x yuu Point per S$1

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Welcome Offer

Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

Shark EVOPOWER SYSTEM IQ Cordless Vacuum (worth S$599)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

Sony WH-1000XM5 Noise Cancelling Headphones (worth S$589)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

S$370 eCapitaVouchers

Valid until

15 September 2025

Things to consider for this product:

check

Supermarket rebate

check

Dining rebate

remove

Rebate cap applied

remove

Monthly spend required

DBS yuu American Express Card

Cashback Local

Up to 18 %

info

36 yuu Points per S$1 when you pair the yuu card with the yuu app at a yuu merchant.

Cashback Overseas

0.5 %

info

1x yuu Point per S$1

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Supermarket rebate

check

Dining rebate

remove

Rebate cap applied

remove

Monthly spend required

DBS yuu Visa Card

Cashback Local

Up to 18 %

info

36 yuu Points per S$1 when you pair the yuu card with the yuu app at a yuu merchant.

Cashback Overseas

0.5 %

info

1x yuu Point per S$1

Min. Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Supermarket rebate

check

Dining rebate

remove

Rebate cap applied

remove

Monthly spend required

CIMB Visa Signature Card

Cashback Local

10 %

info

With minimum spending of S$600. On Online Shopping, Groceries, Beauty & Wellness, Pet Shops & Veterinary Services and Cruises only. Capped at $100 per statement month.

Cashback Overseas

Up to 3 %

info

Unlimited 3% cashback on overseas foreign currency spend, valid till 31 January 2025. Base rate 0.2%.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

info

For all Principal and Supplementary cards.

2 Offers Available

SingSaver Exclusive Offer

S$50 Cash via PayNow

Valid until

30 September 2025

Welcome Offer

Up to S$188 Cashback

Valid until

30 September 2025

Things to consider for this product:

check

Online shopping rebate

check

Supermarket rebate

check

Annual Fee waiver

remove

Rebate cap applied

UOB One Card

Cashback Local

Up to 10 %

info

Up to 10% cashback on daily spend at McDonald’s, Grab, SimplyGo (bus/train rides) and Shopee; up to 8% cashback on all grocery spend; and up to 4.33% on SP Group and more

Cashback Overseas

Up to 3.33 %

info

Min. spend of S$600 / S$1,000 / S$2,000 per month (min. 10 transactions) for qualifying quarter

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

3 Offers Available

SingSaver Flash Deal

Sony LinkBuds S (WF-LS900N) worth S$309

Valid until

14 September 2025

SingSaver Exclusive Offer

S$60 Cash via PayNow

Valid until

14 September 2025

SingSaver Exclusive Offer

S$70 Shopee Voucher

Valid until

14 September 2025

Welcome Offer

S$350 Cash Credit

Valid until

30 September 2025

Things to consider for this product:

check

Supermarket rebate

check

Grab/taxi rebate

remove

Monthly spend required

remove

Rebate cap applied

Gift Options

Sony LinkBuds S (WF-LS900N) worth S$309

Gift Options

S$60 Cash via PayNow; or
S$70 Shopee Voucher

Gift Options

S$350 Cash Credit

UOB EVOL Card

Cashback Local

Up to 10 %

info

On online and mobile contactless spend, capped at S$30 per statement month.

Cashback Overseas

1 %

info

No FX fees. 1% cashback on overseas foreign currency spend (valid till 31 Dec 2025), capped at S$20 per statement month.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Fee Waived. Subsequent years waived with min. 3 transactions every month.

Offer Available

Welcome Offer

Limited-Edition The Paper Bunny Multi-Way Tote Bag

Valid until

31 October 2025

Things to consider for this product:

check

Online shopping rebate

check

Mobile contactless rebate

check

No FX fees

check

Overseas in-store FX spend rebate

remove

Monthly spend required

Enjoy no FX fees on overseas foreign currency spend with no min. spend.
Enjoy 10% cashback on Local Online and Mobile Contactless (Apple Pay, Samsung Pay, google Pay) Spend
10% on Selected Gym, Telco and Streaming Spend
Get 1% cashback on all Overseas Foreign Currency Spend. Valid till 31 Dec 2025.
All other spends earn 0.3% cashback.
Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants.
Receive a first-year annual fee waiver. Annual fee for subsequent years waived with min. 3 transactions every month.
Get greater savings with up to 5.3% p.a. interest with UOB One Account+.
Minimum spend of S$800 each statement month to enjoy accelerated cashback earn rate.
S$80 total cashback cap per statement month (S$30 cap for local online and mobile spend; S$20 cap for selected gym, telco and streaming spend; and S$30 cap for all other spend. Plus, additional $20 cap on the 1% cashback on all Overseas Foreign Currency Spend till 31 Dec 2025.

POSB Everyday Card

Cashback Local

Up to 10 %

info

On shopping, fuel, dining, and SimplyGo. Minimum spend of S$800 required.

Cashback Overseas

Up to 10 %

info

Up to 10% cash rebates on in-store spend in Malaysian Ringgit (MYR), capped at Daily$20 cash rebates per calendar month..

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Welcome Offer

Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

Shark EVOPOWER SYSTEM IQ Cordless Vacuum (worth S$599)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

Sony WH-1000XM5 Noise Cancelling Headphones (worth S$589)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

S$370 eCapitaVouchers

Valid until

15 September 2025

Things to consider for this product:

check

Food delivery

check

Online shopping rebate

remove

Rebate cap applied

remove

Monthly spend required

Up to 10% cash rebates on food delivery via foodpanda, GrabFood and Deliveroo.
Up to 10% cash rebates on in-store spend in Malaysian Ringgit (MYR).
Up to 10% cash rebates on SimplyGo.
Up to 5% cash rebates on Amazon.sg, Lazada, Shopee, RedMart, Taobao and TikTok Shop.
Up to 5% cash rebates at Popular bookstores (in-person and online)
5% cash rebates at Sheng Siong supermarkets.
6% cash rebates at SPC.
3% cash rebates at Pet Lovers Centre.
0.3% cash rebates on all other eligible spend.
Cash rebates (in Daily$) never expire.
Read our full review of the POSB Everyday Card.
Min. spend of S$800 per calendar month required for accelerated cash rebate earn rate.
S$20 monthly cash rebate cap for dining, Sheng Shiong, Popular, online shopping, SimplyGo, and MYR categories respectively.

POSB Everyday Card

Cashback Local

Up to 10 %

info

On shopping, fuel, dining, and SimplyGo. Minimum spend of S$800 required.

Cashback Overseas

Up to 10 %

info

Up to 10% cash rebates on in-store spend in Malaysian Ringgit (MYR), capped at Daily$20 cash rebates per calendar month..

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Food delivery

check

Online shopping rebate

remove

Rebate cap applied

remove

Monthly spend required

Up to 10% cash rebates on food delivery via foodpanda, GrabFood and Deliveroo.
Up to 10% cash rebates on in-store spend in Malaysian Ringgit (MYR).
Up to 10% cash rebates on SimplyGo.
Up to 5% cash rebates on Amazon.sg, Lazada, Shopee, RedMart, Taobao and TikTok Shop.
Up to 5% cash rebates at Popular bookstores (in-person and online)
5% cash rebates at Sheng Siong supermarkets.
6% cash rebates at SPC.
3% cash rebates at Pet Lovers Centre.
0.3% cash rebates on all other eligible spend.
Cash rebates (in Daily$) never expire.
Read our full review of the POSB Everyday Card.
Min. spend of S$800 per calendar month required for accelerated cash rebate earn rate.
S$20 monthly cash rebate cap for dining, Sheng Shiong, Popular, online shopping, SimplyGo, and MYR categories respectively.

UOB One Card

Cashback Local

Up to 10 %

info

Up to 10% cashback on daily spend at McDonald’s, Grab, SimplyGo (bus/train rides) and Shopee; up to 8% cashback on all grocery spend; and up to 4.33% on SP Group and more

Cashback Overseas

Up to 3.33 %

info

Min. spend of S$600 / S$1,000 / S$2,000 per month (min. 10 transactions) for qualifying quarter

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

3 Offers Available

SingSaver Flash Deal

Apple AirPods Pro 2nd Gen (worth S$349)

Valid until

31 August 2025

SingSaver Flash Deal

Samsonite Straren Spinner 67/24 (worth S$600)

Valid until

31 August 2025

SingSaver Flash Deal

S$300 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$60 Cash via PayNow

Valid until

31 August 2025

SingSaver Exclusive Offer

S$70 Grab Voucher

Valid until

31 August 2025

Welcome Offer

S$350 Cash Credit

Valid until

31 August 2025

Things to consider for this product:

check

Supermarket rebate

check

Grab/taxi rebate

remove

Monthly spend required

remove

Rebate cap applied

Gift Options

Apple AirPods Pro 2nd Gen (worth S$349) ; or
Samsonite Straren Spinner 67/24 (worth S$600); or
S$300 Cash via PayNow

Gift Options

S$60 Cash via PayNow; or
S$70 Grab Voucher

Gift Options

S$350 Cash Credit

UOB EVOL Card

Cashback Local

Up to 10 %

info

On online and mobile contactless spend, capped at S$30 per statement month.

Cashback Overseas

1 %

info

No FX fees. 1% cashback on overseas foreign currency spend (valid till 31 Dec 2025), capped at S$20 per statement month.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Fee Waived. Subsequent years waived with min. 3 transactions every month.

Offer Available

Welcome Offer

S$350 Cash Credit

Valid until

31 August 2025

Things to consider for this product:

check

Online shopping rebate

check

Mobile contactless rebate

check

No FX fees

check

Overseas in-store FX spend rebate

remove

Monthly spend required

Enjoy no FX fees on overseas foreign currency spend with no min. spend.
Enjoy 10% cashback on Local Online and Mobile Contactless (Apple Pay, Samsung Pay, google Pay) Spend
10% on Selected Gym, Telco and Streaming Spend
Get 1% cashback on all Overseas Foreign Currency Spend. Valid till 31 Dec 2025.
All other spends earn 0.3% cashback.
Gain access to over 1,000 deals at eco-friendly, dining, and online shopping merchants.
Receive a first-year annual fee waiver. Annual fee for subsequent years waived with min. 3 transactions every month.
Get greater savings with up to 5.3% p.a. interest with UOB One Account+.
Minimum spend of S$800 each statement month to enjoy accelerated cashback earn rate.
S$80 total cashback cap per statement month (S$30 cap for local online and mobile spend; S$20 cap for selected gym, telco and streaming spend; and S$30 cap for all other spend. Plus, additional $20 cap on the 1% cashback on all Overseas Foreign Currency Spend till 31 Dec 2025.

CIMB Visa Signature Card

Cashback Local

10 %

info

With minimum spending of S$600. On Online Shopping, Groceries, Beauty & Wellness, Pet Shops & Veterinary Services and Cruises only. Capped at $100 per statement month.

Cashback Overseas

Up to 3 %

info

Unlimited 3% cashback on overseas foreign currency spend, valid till 31 January 2025. Base rate 0.2%.

Minimum Annual Income

S$ 30,000

Annual Fee

No Annual Fee

info

For all Principal and Supplementary cards.

2 Offers Available

SingSaver Exclusive Offer

S$50 Cash via PayNow

Valid until

31 August 2025

Welcome Offer

Up to S$188 Cashback

Valid until

31 August 2025

Things to consider for this product:

check

Online shopping rebate

check

Supermarket rebate

check

Annual Fee waiver

remove

Rebate cap applied

Citi Cash Back Card

Cashback Local

Up to 8 %

info

8% cash back on private commute and petrol spend and 6% cash back on dining and groceries spend. Minimum S$800 spend per statement month. S$80 combined cash back cap across all categories.

Cashback Overseas

8 %

info

8% cashback on petrol and private commute. 6% cashback on dining and grocery. 0.20% on all other retail spend. No minimum spend. S$80 combined cashback cap across all categories.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)

Valid until

30 September 2025

SingSaver Exclusive Offer

Dyson Airstrait™ straightener (worth S$799) (Top up S$100)

Valid until

30 September 2025

SingSaver Exclusive Offer

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$80)

Valid until

30 September 2025

SingSaver Exclusive Offer

Nintendo Switch 2 (worth S$719) (Top up S$300)

Valid until

30 September 2025

SingSaver Exclusive Offer

Dyson Airwrap™ Origin multi-styler and dryer (worth S$549)

Valid until

30 September 2025

SingSaver Exclusive Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

30 September 2025

SingSaver Exclusive Offer

S$450 Grab Vouchers

Valid until

30 September 2025

SingSaver Exclusive Offer

S$360 Cash via PayNow

Valid until

30 September 2025

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

High-value gift

remove

Rebate cap applied

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$100); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$80); or
Nintendo Switch 2 (worth S$719) (Top up S$300); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
S$450 Grab Vouchers; or
S$360 Cash via PayNow

(Dobin Exclusive) Citi Cash Back Card

Cashback Local

Up to 8 %

info

8% cash back on private commute and petrol spend and 6% cash back on dining and groceries spend. Minimum S$800 spend per statement month. S$80 combined cash back cap across all categories

Cashback Overseas

8 %

info

8% cashback on petrol and private commute. 6% cashback on dining and grocery. 0.20% on all other retail spend. No minimum spend. S$80 combined cashback cap across all categories.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

High-value gift

remove

Rebate cap applied

(CapitaStar Exclusive) Citi Cash Back Card

Cashback Local

Up to 8 %

info

8% cash back on private commute and petrol spend and 6% cash back on dining and groceries spend. Minimum S$800 spend per statement month. S$80 combined cash back cap across all categories

Cashback Overseas

8 %

info

8% cashback on petrol and private commute. 6% cashback on dining and grocery. 0.20% on all other retail spend. No minimum spend. S$80 combined cashback cap across all categories.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

High-value gift

remove

Rebate cap applied

ICBC Visa Dual Currency Credit Card

Cashback Local

Up to 8 %

info

For all qualifying spend S$500 and above for three consecutive months in a quarter, monthly cashback capped at S$60.

Cashback Overseas

Up to 8 %

info

For all qualifying spend S$500 and above for three consecutive months in a quarter, monthly cashback capped at S$60.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 30

info

First Three Years Waived

Things to consider for this product:

check

Local spending rebate

check

Overseas rebate

remove

Monthly spend required

remove

Rebate cap applied

ICBC UnionPay Dual Currency Credit Card

Cashback Local

Up to 8 %

info

For all qualifying spend above S$500.

Cashback Overseas

Up to 8 %

info

For all qualifying spend S$500 and above for three consecutive months in a quarter, monthly cashback capped at S$60.

Min. Annual Income

S$ 30,000

Annual Fee

S$ 30

info

First Three Years Waived

Things to consider for this product:

check

Local spending rebate

check

Overseas rebate

remove

Monthly spend required

remove

Rebate cap applied

(Creatory Exclusive) Citi Cash Back Card

Cashback Local

Up to 8 %

info

8% cash back on private commute and petrol spend and 6% cash back on dining and groceries spend. Minimum S$800 spend per statement month. S$80 combined cash back cap across all categories

Cashback Overseas

8 %

info

8% cashback on petrol and private commute. 6% cashback on dining and grocery. 0.20% on all other retail spend. No minimum spend. S$80 combined cashback cap across all categories.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

High-value gift

remove

Rebate cap applied

(Heymax Exclusive) Citi Cash Back Card

Cashback Local

Up to 8 %

info

8% cash back on private commute and petrol spend and 6% cash back on dining and groceries spend. Minimum S$800 spend per statement month. S$80 combined cash back cap across all categories.

Cashback Overseas

8 %

info

8% cashback on petrol and private commute. 6% cashback on dining and grocery. 0.20% on all other retail spend. No minimum spend. S$80 combined cashback cap across all categories.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

13,600 Max Miles by Heymax

Valid until

30 September 2025

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

High-value gift

remove

Rebate cap applied

(Heymax Exclusive) Citi Cash Back Card

Cashback Local

Up to 8 %

info

8% cash back on private commute and petrol spend and 6% cash back on dining and groceries spend. Minimum S$800 spend per statement month. S$80 combined cash back cap across all categories.

Cashback Overseas

8 %

info

8% cashback on petrol and private commute. 6% cashback on dining and grocery. 0.20% on all other retail spend. No minimum spend. S$80 combined cashback cap across all categories.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Heymax Exclusive Offer

13,600 Max Miles

Valid until

30 September 2025

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

High-value gift

remove

Rebate cap applied

Citi Cash Back Card

Cashback Local

Up to 8 %

info

8% cash back on private commute and petrol spend and 6% cash back on dining and groceries spend. Minimum S$800 spend per statement month. S$80 combined cash back cap across all categories.

Cashback Overseas

8 %

info

8% cashback on petrol and private commute. 6% cashback on dining and grocery. 0.20% on all other retail spend. No minimum spend. S$80 combined cashback cap across all categories.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100)

+ 7 other gift options

Valid until

30 September 2025

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

High-value gift

remove

Rebate cap applied

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$80); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$60); or
Nintendo Switch 2 (worth S$719) (Top up S$300); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
S$450 Grab Vouchers; or
S$360 Cash via PayNow

Citi Cash Back Card

Cashback Local

Up to 8 %

info

8% cash back on private commute and petrol spend and 6% cash back on dining and groceries spend. Minimum S$800 spend per statement month. S$80 combined cash back cap across all categories.

Cashback Overseas

8 %

info

8% cashback on petrol and private commute. 6% cashback on dining and grocery. 0.20% on all other retail spend. No minimum spend. S$80 combined cashback cap across all categories.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100)

+ 8 other gift options

Valid until

31 August 2025

Things to consider for this product:

check

Dining rebate

check

Supermarket rebate

check

High-value gift

remove

Rebate cap applied

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$100); or
Dyson Airstrait™ straightener (worth S$799) (Top up S$80); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$50); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499) (Top up S$80); or
Nintendo Switch 2 (worth S$719) (Top up S$300); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549); or
Xiaomi Robot Vacuum X20 Pro (worth S$579); or
S$390 Grab Vouchers; or
S$350 Cash via PayNow

OCBC 365 Credit Card

Cashback Local

Up to 6 %

info

With minimum spending of S$800 or S$1,600 per calendar month. Cashback capped at S$80 or S$160, depending on minimum spend.

Cashback Overseas

0.25 %

Minimum Annual Income

S$ 30,000

info

S$30,000 for Singaporeans and PRs aged between 21 and 54; S$15,000 for Singaporeans and PRs aged above 55; S$45,000 for foreigners

Annual Fee

S$ 196.2

info

First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Offer Available

SingSaver Exclusive Offer

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$140)

+ 10 other gift options

Valid until

15 September 2025

Things to consider for this product:

check

Petrol rebate

check

Dining rebate

remove

Monthly spend required

6% cashback on fuel spend at all other petrol stations.
5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
3% cashback on recurring telco and electricity bills.
S$160 monthly cashback cap (up from S$80).
Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
2-year annual fee waiver.
Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
Read our full review of the OCBC 365 Credit Card .
High min. spend of either S$800 or S$1,600 per calendar month
Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
S$80 monthly cashback cap with minium spend of $800.
S$160 monthly cashback cap with mininum spend of $1,600.
Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.

Gift Options

Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$140); or
Dyson Airstrait™ hair straightener (worth S$799) (Top up S$120); or
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$100); or
Dyson Supersonic™ hair dryer (worth S$599) (Top up S$80); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499) (Top up S$80); or
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$60); or
Shark EVOPOWER SYSTEM IQ Cordless Vacuum (worth S$599); or
Dyson Cool™ AM07 Tower Fan (worth S$499); or
S$380 Grab Vouchers; or
13,000 Max Miles by Heymax; or
S$340 Cash via PayNow

DBS Live Fresh Card

Cashback Local

Up to 6 %

info

On Shopping and Transport spend. Capped at S$50 for Shopping spend and S$20 for Transport spend per calendar month.

Cashback Overseas

Up to 6 %

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On Shopping and Transport spend. Capped at S$50 for Shopping spend and S$20 for Transport spend per calendar month.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

2 Offers Available

SingSaver Exclusive Welcome Offer

Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

Shark EVOPOWER SYSTEM IQ Cordless Vacuum (worth S$599)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

Sony WH-1000XM5 Noise Cancelling Headphones (worth S$589)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

Apple iPad (A16) 11" WiFi 128GB (worth S$499)

Valid until

15 September 2025

SingSaver Exclusive Welcome Offer

S$370 eCapitaVouchers

Valid until

15 September 2025

Welcome Offer

S$300 Cashback

Valid until

31 October 2025

Things to consider for this product:

check

Online Rebate

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Shopping

check

Public transportation

remove

Rebate cap applied

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Monthly spend required

Gift Options

Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999); or
Shark EVOPOWER SYSTEM IQ Cordless Vacuum (worth S$599); or
Sony WH-1000XM5 Noise Cancelling Headphones (worth S$589); or
Apple iPad (A16) 11" WiFi 128GB (worth S$499); or
S$370 eCapitaVouchers

Gift Options

S$300 Cashback

DBS Live Fresh Card

Cashback Local

Up to 6 %

info

On Shopping and Transport spend. Capped at S$50 for Shopping spend and S$20 for Transport spend per calendar month.

Cashback Overseas

Up to 6 %

info

On Shopping and Transport spend. Capped at S$50 for Shopping spend and S$20 for Transport spend per calendar month.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Offer Available

Welcome Offer

S$300 Cashback

Valid until

31 October 2025

Things to consider for this product:

check

Online Rebate

check

Shopping

check

Public transportation

remove

Rebate cap applied

remove

Monthly spend required

UOB One Debit Card

Cashback Local

Up to 4 %

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Up to 4% cashback on daily spend at McDonald’s, Grab, SimplyGo (bus/train rides) and Shopee; 1% cashback on mobile payments (Apple Pay, Google Pay, Samsung Pay) and utilities (Singtel, GOMO, SPGroup)

Minimum Annual Income

S$ 0

info

No minimum income requirements, but requires customer to hold a UOB Savings / Current Account.

Annual Fee

S$ 18.34

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First 3 Years Waived

Offer Available

SingSaver Exclusive Offer

S$50 Cash via PayNow

Valid until

10 September 2025

Things to consider for this product:

check

Online shopping rebate

check

Grab/taxi rebate

remove

Monthly spend required

remove

Rebate cap applied

Get up to 4% cashback on daily merchants (dining, online shopping, transport, telco, utilities)
Get 1% cashback everywhere with mobile payments (Apple Pay, Google Pay and Samsung Pay)
Pay with your mobile phone at more than 10,000 retail outlets in Singapore. You earn the same cashback on mobile payment as you do with your physical UOB One Debit Card
Pair UOB One Debit Card & UOB One Account to enjoy up to 5.3% p.a. interest on your savings
Over 1,000 deals, cashback, weekly coupons and exciting rewards all year round with Rewards+ on UOB TMRW
More Cashback with UOB$ Programme - Get up to 10% instant UOB$ cashback on your favourite dine, retail and lifestyle brands island wide!
Enjoy zero transaction fees overseas when withdrawing cash at UOB ATMs in Malaysia, Indonesia & Thailand
Enjoy the complimentary travel insurance coverage when you travel with your UOB One Debit Card
Enjoy year-long savings of 14% on your fuel purchases with the UOB One Debit Card
Enjoy up to 20% off your petrol purchases at SPC with your UOB One Debit Card and SPC&U Card
Spend at least $600 monthly based on your qualifying quarter to enjoy up to 4% cashback.
Cash rebate is awarded every month.
You will be required to opt-in to activate complimentary travel insurance coverage for your UOB One Debit Card before the departure of your trip
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

UOB One Debit Card

Cashback Local

Up to 4 %

info

Minimum Annual Income

S$ 0

info

No minimum income requirements, but requires customer to hold a UOB Savings / Current Account.

Annual Fee

S$ 18.34

info

First 3 Years Waived

Offer Available

SingSaver Exclusive Offer

S$50 Cash via PayNow

Valid until

31 August 2025

Things to consider for this product:

check

Online shopping rebate

check

Grab/taxi rebate

remove

Monthly spend required

remove

Rebate cap applied

Get up to 4% cashback on daily merchants (dining, online shopping, transport, telco, utilities)
Get 1% cashback everywhere with mobile payments (Apple Pay, Google Pay and Samsung Pay)
Pay with your mobile phone at more than 10,000 retail outlets in Singapore. You earn the same cashback on mobile payment as you do with your physical UOB One Debit Card
Pair UOB One Debit Card & UOB One Account to enjoy up to 5.3% p.a. interest on your savings
Over 1,000 deals, cashback, weekly coupons and exciting rewards all year round with Rewards+ on UOB TMRW
More Cashback with UOB$ Programme - Get up to 10% instant UOB$ cashback on your favourite dine, retail and lifestyle brands island wide!
Enjoy zero transaction fees overseas when withdrawing cash at UOB ATMs in Malaysia, Indonesia & Thailand
Enjoy the complimentary travel insurance coverage when you travel with your UOB One Debit Card
Enjoy year-long savings of 14% on your fuel purchases with the UOB One Debit Card
Enjoy up to 20% off your petrol purchases at SPC with your UOB One Debit Card and SPC&U Card
Spend at least $600 monthly based on your qualifying quarter to enjoy up to 4% cashback.
Cash rebate is awarded every month.
You will be required to opt-in to activate complimentary travel insurance coverage for your UOB One Debit Card before the departure of your trip
Terms and conditions apply for all above-mentioned privileges. Visit here for more details. Insured up to S$100,000 by SDIC.

BOC Zaobao Credit Card

Cashback Local

1.5 %

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No minimum spend and no cap on cashback earned.

Cashback Overseas

1.5 %

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On retail spend

Min. Annual Income

S$ 30,000

Annual Fee

S$ 205.2

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First Two Years Waived

Things to consider for this product:

check

No rebate cap

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Local spending rebate

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Overseas rebate

check

Dining rebate

BOC Family Card

Cashback Local

0.3 %

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With minimum monthly spend of S$800.

Cashback Overseas

0.3 %

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With minimum monthly spend of S$800.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 205.2

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First Year Waived

Things to consider for this product:

check

Dining rebate

check

Public transportation

remove

Monthly spend required

remove

Rebate cap applied

UOB Metro-UOB Card

Cashback Local

0.2 %

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(Indirect Cashback) S%5 local spend = UNI$1. UNI$2000 redeems $20 vouchers. Equivalent to 0.2% cashback.

Cashback Overseas

0.2 %

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(Indirect Cashback) S$5 local spend = UNI$1. UNI$2000 redeems $20 vouchers. Equivalent to 0.2% cashback.

Minimum Annual Income

S$ 30,000

Annual Fee

S$ 196.2

info

First Year Waived

Things to consider for this product:

check

Retail rebate

check

Dining savings

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No monthly spend required

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No rebate cap

How to best use a Cashback Credit Card

To best use a high cashback credit card, focus on the following strategies to maximise your savings:

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Who should use a High Cashback Credit Card?

A credit card with a high cashback earn rate is specifically suited for these types of users:

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Things to look out for when choosing a High Cashback Credit Card

When choosing a high cashback credit card, pay close attention to the following specific factors:

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What is considered a high cashback rate?

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Generally, a high cashback rate for credit cards in Singapore typically hovers between 3% to 15%. However, rates can vary, so it's best to check with banks or comparison websites like us at SingSaver for the latest information.

What are commonly eligible categories that earn high cashback?

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You can expect categories like dining, food delivery, transport, groceries, offline and online shopping, mobile contactless spend, travel, utilities and other bills like petrol and phone bills where applicable.

Do all cashback credit cards require minimum spending?

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Yes, all high cashback credit cards demand a minimum spend every month (or sometimes per year) to qualify for their high cashback rates. Failure to satisfy these minimum spending will result in cardholders earning base cashback (e.g. 0.2%, 0.3%) instead of bonus cashback.

The only exception where minimum spend doesn’t apply is unlimited cashback credit cards.

What are some popular examples of high cashback credit cards?

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The UOB One Card, POSB Everyday Card, Maybank Family & Friends Card, CIMB Visa Signature Card, OCBC Frank Card, Citi Cash Back Card, OCBC 365 Card, DBS Live Fresh Card and the UOB EVOL Card are examples of high cashback credit cards.

Best High Cashback Credit Cards in Singapore 2024

DBS yuu Visa Card

Offer Available

Things to consider for this product:

Quick Facts

DBS yuu American Express Card

Offer Available

Things to consider for this product:

Quick Facts

DBS yuu American Express Card

Things to consider for this product:

Quick Facts

DBS yuu Visa Card

Things to consider for this product:

Quick Facts

CIMB Visa Signature Card

2 Offers Available

Things to consider for this product:

Quick Facts

UOB One Card

3 Offers Available

Things to consider for this product:

Quick Facts

UOB EVOL Card

Offer Available

Things to consider for this product:

Quick Facts

POSB Everyday Card

Offer Available

Things to consider for this product:

Quick Facts

POSB Everyday Card

Things to consider for this product:

Quick Facts

UOB One Card

3 Offers Available

Things to consider for this product:

Quick Facts

UOB EVOL Card

Offer Available

Things to consider for this product:

Quick Facts

CIMB Visa Signature Card

2 Offers Available

Things to consider for this product:

Quick Facts

Citi Cash Back Card

Offer Available

Things to consider for this product:

Quick Facts

(Dobin Exclusive) Citi Cash Back Card

Things to consider for this product:

Quick Facts

(CapitaStar Exclusive) Citi Cash Back Card

Things to consider for this product:

Quick Facts

ICBC Visa Dual Currency Credit Card

Things to consider for this product:

Quick Facts

ICBC UnionPay Dual Currency Credit Card

Things to consider for this product:

Quick Facts

(Creatory Exclusive) Citi Cash Back Card

Things to consider for this product:

Quick Facts

(Heymax Exclusive) Citi Cash Back Card

Offer Available

Things to consider for this product:

Quick Facts

(Heymax Exclusive) Citi Cash Back Card

Offer Available

Things to consider for this product:

Quick Facts

Citi Cash Back Card

Offer Available

Things to consider for this product:

Quick Facts

Citi Cash Back Card

Offer Available

Things to consider for this product: